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        <ol class="toc"><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%83%8C%E6%99%AF"><span class="toc-number">1.</span> <span class="toc-text">背景</span></a></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%A1%A1%E9%87%8F%E6%A0%87%E5%87%86"><span class="toc-number">2.</span> <span class="toc-text">衡量标准</span></a><ol class="toc-child"><li class="toc-item toc-level-3"><a class="toc-link" href="#%E7%8E%B0%E9%87%91%E6%B5%81%E9%87%8F"><span class="toc-number">2.1.</span> <span class="toc-text">现金流量</span></a></li><li class="toc-item toc-level-3"><a class="toc-link" href="#%E5%88%A9%E6%B6%A6"><span class="toc-number">2.2.</span> <span class="toc-text">利润</span></a></li><li class="toc-item toc-level-3"><a class="toc-link" href="#%E5%88%B0%E5%BA%95%E8%A6%81%E5%A4%9A%E5%B0%91%E9%92%B1"><span class="toc-number">2.3.</span> <span class="toc-text">到底要多少钱</span></a></li></ol></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%BE%BE%E6%88%90%E9%82%A3%E4%B8%AA%E7%9B%AE%E6%A0%87"><span class="toc-number">3.</span> <span class="toc-text">达成那个目标</span></a></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E6%84%9F%E6%83%B3"><span class="toc-number">4.</span> <span class="toc-text">感想</span></a></li></ol>
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        关于F.I.E.R -财务自由
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    <h2 id="背景"><a href="#背景" class="headerlink" title="背景"></a>背景</h2><p>最近二三年对FIER(Finianical Independence and Early Retriement) <code>财务自由</code> 这个话题，花了时间去学习和实践。</p>
<p>当我们再谈财务自由的时候，在想什么呢，意味着什么呢。</p>
<p><code>财务</code>是什么概念？</p>
<blockquote>
<p>财务：财富，资产</p>
</blockquote>
<p><code>自由</code>意味着什么？</p>
<blockquote>
<p>自由：做自己想做的事情，更重要的是可以不做自己不想做的事情</p>
</blockquote>
<p>财务自由呢？</p>
<blockquote>
<p>财务自由：不因为钱，售卖自己的时间，做自己不想做的事情，对时间拥有自主权</p>
</blockquote>
<h2 id="衡量标准"><a href="#衡量标准" class="headerlink" title="衡量标准"></a>衡量标准</h2><p>每个人的标准都不一样，因为每个人都不一样。如果把个人&#x2F;家庭当做公司来看，需要算几笔账</p>
<h3 id="现金流量"><a href="#现金流量" class="headerlink" title="现金流量"></a>现金流量</h3><p>需要根据收入，支出来大致算一下。</p>
<ol>
<li><p>收入就是流入进来的钱，或者可以用钱衡量的其他资产，如股票等。一般对于绝大多数就是工资了。</p>
</li>
<li><p>支出分为两部分：</p>
</li>
</ol>
<p>一部分是<code>刚性支出</code>，如房贷，车贷，保险等，特点是刚性的，固定的，基本也没啥商量余地。</p>
<p>另一部分是<code>生活方式支出</code>：购物、聚餐、旅游等，特点是可以浮动的，可多可少。</p>
<h3 id="利润"><a href="#利润" class="headerlink" title="利润"></a>利润</h3><p>根据1和2，就能知道每月的结余。这个结余就是每月的<code>利润</code>。</p>
<p><code>利润</code>为正说明是有结余的钱，账上有闲钱了。为负就说明已经开始吃老本了。</p>
<p>这个<code>利润</code>也就意味着<code>财务自由度</code>。</p>
<h3 id="到底要多少钱"><a href="#到底要多少钱" class="headerlink" title="到底要多少钱"></a>到底要多少钱</h3><p>时间线拉长看，A股宽基收益10%，美股宽基8%。以保守冗余策略按5%收益。</p>
<p>若每年支出10w, 则需要本金大致200w，通过投资方式产生10w现金流，即可利润表为正。</p>
<p>也就是如果我有200w现金，那么我就初步财务自由了。</p>
<p>这里最重要的问题就是：</p>
<blockquote>
<p>这部分本金怎么来？</p>
</blockquote>
<p>这块也是整个计划的核心了，是一个<code>滚雪球</code>的过程。</p>
<h2 id="达成那个目标"><a href="#达成那个目标" class="headerlink" title="达成那个目标"></a>达成那个目标</h2><blockquote>
<p> 还在路上…</p>
</blockquote>
<p>基于此，后面会专门立一个 FIRE 的标签，记录这个过程</p>
<blockquote>
<p>因为旅程即奖励</p>
</blockquote>
<p>目前大致30%，进入了困难模式。</p>
<h2 id="感想"><a href="#感想" class="headerlink" title="感想"></a>感想</h2><p>从中我有一个很重要的思维转变，</p>
<blockquote>
<p>把自己&#x2F;家庭当做公司来运营</p>
</blockquote>
<p>多回顾和更新那三张表，</p>
<blockquote>
<p>现金流量表-&gt;利润表-&gt;资产负债表。</p>
</blockquote>
<p><img src="https://s2.loli.net/2023/08/20/v6bY1geI39MNQdz.jpg" alt="20230820_snow_ball_fortune.jpg"></p>
<p>最后贴珍藏的一张图，描述了这三张表的关联和变有钱的财务过程，作者是也大。受益匪浅。</p>

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        <ol class="toc"><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%83%8C%E6%99%AF"><span class="toc-number">1.</span> <span class="toc-text">背景</span></a></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%A1%A1%E9%87%8F%E6%A0%87%E5%87%86"><span class="toc-number">2.</span> <span class="toc-text">衡量标准</span></a><ol class="toc-child"><li class="toc-item toc-level-3"><a class="toc-link" href="#%E7%8E%B0%E9%87%91%E6%B5%81%E9%87%8F"><span class="toc-number">2.1.</span> <span class="toc-text">现金流量</span></a></li><li class="toc-item toc-level-3"><a class="toc-link" href="#%E5%88%A9%E6%B6%A6"><span class="toc-number">2.2.</span> <span class="toc-text">利润</span></a></li><li class="toc-item toc-level-3"><a class="toc-link" href="#%E5%88%B0%E5%BA%95%E8%A6%81%E5%A4%9A%E5%B0%91%E9%92%B1"><span class="toc-number">2.3.</span> <span class="toc-text">到底要多少钱</span></a></li></ol></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E8%BE%BE%E6%88%90%E9%82%A3%E4%B8%AA%E7%9B%AE%E6%A0%87"><span class="toc-number">3.</span> <span class="toc-text">达成那个目标</span></a></li><li class="toc-item toc-level-2"><a class="toc-link" href="#%E6%84%9F%E6%83%B3"><span class="toc-number">4.</span> <span class="toc-text">感想</span></a></li></ol>
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